Maddy Spiering, CFP®
Financial Advisor,
Associate Vice President
Direct:
(925) 930-3847(925) 930-3847
Toll-Free:
(800) 949-5199(800) 949-5199
My Mission Statement
Dedicated to managing your wealth and helping you achieve your unique financial goals with tailored investment strategies.
My Story and Services
Maddy joined The Spiering Group at Morgan Stanley in 2019, following the footsteps of both her parents and grandfather in the financial industry. As a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional, she helps clients in managing areas within their finances, such as insurance, investing, education planning, and retirement planning.
Maddy graduated from Santa Clara University Leavey School of Business with a dual major, in Marketing and with a B.S. degree in Economics. She holds a Series 7- General Securities License and Series 66 – Registered Investment Advisor & State Registrations License. Additional licenses include: California Insurance & Life; and Health & Variable Annuity Insurance.
Born and raised in the Bay Area, Maddy now resides in San Francisco. When she is not working Maddy is an avid runner, likes to travel and enjoys cooking.
As your Financial Advisor, Maddy can help you preserve and grow your wealth. She will work along side you and provide access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Maddy graduated from Santa Clara University Leavey School of Business with a dual major, in Marketing and with a B.S. degree in Economics. She holds a Series 7- General Securities License and Series 66 – Registered Investment Advisor & State Registrations License. Additional licenses include: California Insurance & Life; and Health & Variable Annuity Insurance.
Born and raised in the Bay Area, Maddy now resides in San Francisco. When she is not working Maddy is an avid runner, likes to travel and enjoys cooking.
As your Financial Advisor, Maddy can help you preserve and grow your wealth. She will work along side you and provide access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Securities Agent: FL, VA, MI, OR, NJ, AK, TX, TN, SC, NV, WA, NY, CT, RI, MN, CA, MD, ID, HI, AZ, MA, CO, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 2001795
CA Insurance License #: 4049537
NMLS#: 2001795
CA Insurance License #: 4049537
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What We're Up To
Client Centric Approach
Our team's goal is to empower families to achieve and maintain financial independence, and create a legacy that will transfer to future generations. We have found the success of our business is due to the personalized service and friendship we extend to our clients. Our clients enjoy frequent conversations, portfolio discussions, market updates, as well as personal and family topics. Engaging clients on a regular basis has earned our trusting relationship.
We are proud to work with multi-generational families on succession planning, inter-generational transfers, and trust planning. Our focus is on building relationships with successful millennials and educating them on how to help achieve their financial future
Our approach goes beyond investment advice – we provide a wide array of services to help pursue your specific goals. We offer goals-based planning, cash flow and liabilities solutions, and estate and wealth transfer planning.
Once we have thoroughly understood your financial picture, we develop your individualized plan together.
We are proud to work with multi-generational families on succession planning, inter-generational transfers, and trust planning. Our focus is on building relationships with successful millennials and educating them on how to help achieve their financial future
Our approach goes beyond investment advice – we provide a wide array of services to help pursue your specific goals. We offer goals-based planning, cash flow and liabilities solutions, and estate and wealth transfer planning.
Once we have thoroughly understood your financial picture, we develop your individualized plan together.
Women & Wealth
There’s no doubt about it—women face a unique set of financial challenges. Yet, most of us feel ill-equipped to navigate these circumstances on our own. At Morgan Stanley, we have witnessed the power of education and trusted guidance to transform a woman’s relationship with money. We believe educated women create a ripple effect, inspiring generations of men and women to come.
As you accumulate wealth, you often face more complexity. When it comes to your finances, family, and future, there is rarely a “one-size-fits-all” approach, as everyone faces a different set of challenges, expectations, and pressures. The key is finding a Financial Advisor who can point out blind spots and help you create a financial strategy that works for you.
From saving to investing, or tying the knot to buying a new home, we want to assist you every step of the way as you take charge and own your financial future.
As you accumulate wealth, you often face more complexity. When it comes to your finances, family, and future, there is rarely a “one-size-fits-all” approach, as everyone faces a different set of challenges, expectations, and pressures. The key is finding a Financial Advisor who can point out blind spots and help you create a financial strategy that works for you.
From saving to investing, or tying the knot to buying a new home, we want to assist you every step of the way as you take charge and own your financial future.
Playbook: A Guide to Women & Wealth
This guide covers topics from career 101 to investing, and buying a home to getting married. If you are interested in learning more about this comprehensive playbook, email or call Maddy to receive a complimentary copy.
"Women take on many roles and often navigate complex lives. A solid financial foundation can help a woman take care of her family, look out for her future, and simplify her life."
Client Service Team
Michael Spiering - Senior Vice President, Financial Advisor
Phone:
(925) 930-3875(925) 930-3875
Email:michael.spiering@morganstanley.com
Michael Spiering is a Senior Vice President, Financial Advisor for Morgan Stanley located in Walnut Creek, CA. He takes a disciplined approach focused on asset management, financial planning for individuals and multi-generational families. He understands his clients’ unique vision, goals and aligns advice in a custom-tailored manner. Mr. Spiering not only builds wealth but also protects it to help his clients achieve financial comfort. With confidence, clients can then focus on their passion.
Mr. Spiering received his undergraduate degree in Business from University of Wisconsin-Oshkosh, and his master’s degree from Cardinal Stritch College. He currently lives in Lafayette, California.
Mr. Spiering received his undergraduate degree in Business from University of Wisconsin-Oshkosh, and his master’s degree from Cardinal Stritch College. He currently lives in Lafayette, California.
Securities Agent: NC, CO, CA, TN, OR, HI, AK, SC, FL, CT, RI, MI, PA, MD, MA, TX, NV, NJ, WA, MN, ID, AZ, VA, NY; General Securities Representative; Investment Advisor Representative
CA Insurance License #: NMLS 1270074
CA Insurance License #: NMLS 1270074
Nicole Tom - Portfolio Associate
Phone:
(925) 930-3876(925) 930-3876
Email:nicole.tom@morganstanley.com
Nicole Tom is a Portfolio Associate for Morgan Stanley located in Walnut Creek, CA. She joined Morgan Stanley and the team in 2015 with over a decade of experience in the Financial Services industry. Her professionalism, organization, attention to detail and work ethic make her a highly valued team member.
Nicole graduated from University of California, Irvine with a B.A. in Social Sciences and a minor in Psychology. She holds a Series 7- General Securities License and a Series 66- Uniform Combined State Law License.
Born and raised in Southern California, Nicole now resides in Danville with her loving husband and their two beautiful daughters. When she isn’t working, Nicole can be found hanging out with her girls at one of their many extra-curricular activities or sweating it out in a Bikram yoga class.
Nicole graduated from University of California, Irvine with a B.A. in Social Sciences and a minor in Psychology. She holds a Series 7- General Securities License and a Series 66- Uniform Combined State Law License.
Born and raised in Southern California, Nicole now resides in Danville with her loving husband and their two beautiful daughters. When she isn’t working, Nicole can be found hanging out with her girls at one of their many extra-curricular activities or sweating it out in a Bikram yoga class.
Location
1333 N California Blvd
Suite 133
Walnut Creek, CA 94596
US
Direct:
(925) 930-3847(925) 930-3847
Toll-Free:
(800) 949-5199(800) 949-5199
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Maddy Spiering today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
